Payday Loans - How It Works


There are several frequently asked questions about our loans that you will be able to find below. For any further questions, do not hesitate to contact us at  1-855-822-2274 (cash)           or by email at

We prioritize applicants who receive a salary by direct deposit.

That being said, we do have clients who are self employed.

You can apply for a loan online thanks to our application form.

You can also call us at 1-855-822-2274, or write us at


  • You are 22 years or older
  • You have a stable salary of $1800/month or more
  • You have been employed for more than 3 months
  • You are a Canadian resident
  • You are paid by direct deposit in a Canadian bank account
  • You don’t have excessive bad payments in your account
  • You don’t have an overly high level of short-term debts
  • You are under a consumer proposal or voluntary deposit
  • You have unstable work
  • You have supplied incomplete required documents or erroneous information
  • your debt ratio is to high

Funds can be deposited into your account usually within 4 hrs of finalized application.

We can also send funds almost instantaneously via interact e-transfer for an additional fee.

Yes, we accept clients that are part of any or all of the above programs. Certain conditions may apply but we encourage you to talk with us today to learn more.

Loan companies that we work with offer:


  • An annual interest rate of 22% (APR)
  • In case of payment default, the applicable interest rate is 1.83%/month, meaning 22% per year (APR)
  • Bounced cheque fee – $40
  • NSF fee for eft – 40$
  • You can delay a payment by paying a fee equivalent to your membership fee or guarantor fee.
  • Membership fees and or guarantor fees are applicable and charged based on your payday cycle. Fee amounts vary based on loan amount.

We will proceed to collect funds by every legal means possible, if we are unsuccessful, the debt will be sold to a collections agency.

Customer Testimonials

This site is registered on as a development site.